Compliance Business Oversight Manager

Compliance Business Oversight Manager

Work Location:

Mount Laurel, New Jersey, United States of America

Hours:

40

Pay Details: $91,000 - $145,600 USD

TD is committed to providing fair and equitable compensation opportunities to all colleagues. Growth opportunities and skill development are defining features of the colleague experience  compensation policies and practices have been designed to allow colleagues to progress through the salary range over time as they progress in their role. The base pay actually offered may vary based upon the candidate's skills and experience, job-related knowledge, geographic location, and other specific business and organizational needs.

As a candidate, you are encouraged to ask compensation related questions and have an open dialogue with your recruiter who can provide you more specific details for this role.

Line of Business:
Compliance

Job Description:

Why Work with Us?

At TD Bank US Compliance, we're on a mission to build a more resilient and scalable compliance risk management function. As part of our team, you'll play a key role in reshaping compliance structures and processes, driving innovation at every level. Here, each team member has a chance to make a tangible impact – both in day-to-day operations and in the design of a future-focused compliance program.

This is not just about implementing a new program – it's about creating a culture of compliance that will cascade throughout the organization.

The Compliance Business Oversight Manager is responsible for providing independent second-line oversight of credit card products and servicing activities to ensure alignment with applicable consumer protection laws, regulatory expectations, and internal risk frameworks. This includes, but is not limited to, obligations under Regulation Z (Truth in Lending), UDAAP standards, the Fair Credit Reporting Act (FCRA), Equal Credit Opportunity Act (ECOA/Regulation

B), and applicable requirements under SCRA and MLA. This role is focused on identifying, assessing, and monitoring compliance risks across the full credit card life cycle, including account origination, billing, payment processing, collections, disputes, credit reporting, and customer servicing. The position requires strong subject matter expertise in credit card regulations and the ability to deliver effective challenge and advisory support to business partners.

Serving as a key partner to the business, the role provides guidance on compliance risks, monitoring activities, issue management, and control effectiveness to help promote a strong compliance culture. Success in this role requires a deep understanding of regulatory expectations, strong analytical capabilities, and the ability to influence stakeholders across Legal, Risk, Audit, and business operations.

Key Responsibilities:

• Serve as primary compliance support for assigned business lines, providing oversight and independent challenge on business activities and initiatives with regulatory impact.
• Complete change risk assessments and related questionnaires for new business initiatives, performing review and challenge of inherent regulatory risks, mitigations and outlining conditions to launch; as well as presentation to executives for approval.
• Serve as a compliance advisor to business partners through regular meetings and process reviews.
• Manage and track compliance-related issues, ensuring timely resolution and regulatory alignment.
• Lead regulatory change management efforts for new and updated state laws, ensuring effective business adoption and compliance.
• Monitor regulatory complaints, business reports, and key risk indicators to identify trends, gaps, and potential compliance risks.
• Review and validate first-line testing to ensure gaps are addressed and aligned with regulatory expectations.
• Support control mapping to ensure regulatory requirements are linked to effective business controls.
• Collaborate with cross-functional teams to strengthen the compliance framework and reduce risk exposure

Job Profile Summary

The Compliance Business Oversight Manager provides advice, support and objective guidance to assigned portfolio, business or function on development and…